Finanziaria Internazionale Alternative Investment Societa' di Gestione del Risparmio S.p.a SWIFT/BIC code

FILSIT21 – the SWIFT/BIC code of Finanziaria Internazionale Alternative Investment Societa' di Gestione del Risparmio S.p.a

FILSIT21 and FILSIT21XXX are two spellings of the same SWIFT/BIC code, and both point to Finanziaria Internazionale Alternative Investment Societa' di Gestione del Risparmio S.p.a in Conegliano. The code has a single purpose: it ensures that money from abroad reaches the right bank. It comes up mostly when dealing with payments that cross a border.

On this page you will find how the code means, when you need it and what else you need for a transfer to or from Finanziaria Internazionale Alternative Investment Societa' di Gestione del Risparmio S.p.a. Keep in mind that the BIC just identifies the bank, not the account: the IBAN or account number takes care of that.

Finanziaria Internazionale Alternative Investment Societa' di Gestione del Risparmio S.p.a: head office code versus branch codes

Our database contains 2 SWIFT/BIC codes for Finanziaria Internazionale Alternative Investment Societa' di Gestione del Risparmio S.p.a, spread over 1 cities. Next to the head office code FILSIT21XXX, you will find codes for branches, departments or specific services.

If nobody asks you for a branch code, use FILSIT21XXX. If you have been given a specific code, stick to it instead of swapping it with the head office code.

If you are not sure, ask the person you are paying which code their bank gave them. Codes for branches are more prone to be retired than FILSIT21XXX.

Where our SWIFT data comes from

Our SWIFT/BIC directory is based on publicly available sources and we update it periodically. Still, banks merge or retire codes and our data may lag behind. The number of codes we show are based on our own data.

Treat our data as a reference, not as the final word: the recipient’s bank details come first. GoldexPay is a comparison service and not part of Finanziaria Internazionale Alternative Investment Societa' di Gestione del Risparmio S.p.a. If you notice something that is out of date, we welcome a short note via the contact page.

Paying someone abroad from your Finanziaria Internazionale Alternative Investment Societa' di Gestione del Risparmio S.p.a account

An international bank payment costs rather more than the fee suggests. There is the transfer fee, possibly charges from correspondent banks in between and, above all, the margin on the exchange rate.

Banks do not show the margin on the rate as a cost – you only notice it if you compare. Check the rate you are offered with the mid-market rate, the midpoint between buy and sell rates you see on financial sites.

Specialist money transfer services frequently offer a rate near the mid-market rate with clearer fees. GoldexPay compares these services side by side, showing what actually arrives before you commit. Choosing a specialist does not mean leaving Finanziaria Internazionale Alternative Investment Societa' di Gestione del Risparmio S.p.a.

SEPA payments and the Finanziaria Internazionale Alternative Investment Societa' di Gestione del Risparmio S.p.a BIC

Inside SEPA, euro payments to an account in Italy use the same rules and in most cases need only the IBAN. The BIC field is usually optional or missing in that case.

For anything other than euros and from non-SEPA countries, FILSIT21XXX is still required. Some forms still ask for the BIC; if so, fill in FILSIT21 or FILSIT21XXX.

SEPA transfers usually arrive within one business day, and instant transfers in seconds where both banks support them. Charges on SEPA transfers tend to be low, as long as no currency conversion is involved.

How long does an international transfer to Finanziaria Internazionale Alternative Investment Societa' di Gestione del Risparmio S.p.a take?

There is no single answer for every transfer: some land within a day. Transfers sent late in the day or just before weekends and holidays often go out a business day later. Occasionally a bank wants to know what the payment is for, which can hold things up.

If a transfer seems late, ask your bank about the status or the UETR. Money transfer services usually show tracking online showing where the money has got.

If a payment has not arrived after a few business days, the person who paid should start with the bank that sent it. As a recipient, you can check your account for a slightly lower amount because fees can reduce the amount.

Paying into Finanziaria Internazionale Alternative Investment Societa' di Gestione del Risparmio S.p.a in EUR

Italy uses the Euro, code EUR. Money sent in a different currency will be exchanged into EUR before it reaches the account – and the bank that does it picks the rate. Every conversion eats into the amount, even when no fee is shown.

Who converts the money matters. Transferring the money already in EUR usually prevents a second conversion at the receiving end, provided the rate you get is fair.

The EUR rate fluctuates constantly. If you pay regularly, small differences in the rate add up over time.

What to give a sender who pays you at Finanziaria Internazionale Alternative Investment Societa' di Gestione del Risparmio S.p.a

For a transfer from abroad into your account at Finanziaria Internazionale Alternative Investment Societa' di Gestione del Risparmio S.p.a, the sender has to have more than the BIC. What they need is: the account holder’s name, account number or IBAN, FILSIT21XXX or FILSIT21 and, for some countries, your postal address.

The sender’s bank may also ask for the bank address of Finanziaria Internazionale Alternative Investment Societa' di Gestione del Risparmio S.p.a, in which case the Conegliano head office is the usual answer. Double-check the details before you send them.

An incoming payment will not always land for the full amount. Charges on incoming payments differ from bank to bank. Agree with the sender who covers the fees.

Before you send: check the Finanziaria Internazionale Alternative Investment Societa' di Gestione del Risparmio S.p.a code

The safest source for a SWIFT code is the recipient’s own bank details – an invoice, a statement or a screenshot from online banking. If the code you have differs from FILSIT21 or FILSIT21XXX, stop and ask – contact the recipient or Finanziaria Internazionale Alternative Investment Societa' di Gestione del Risparmio S.p.a.

Errors in the SWIFT code are annoying more than fatal. Remember the account number: an error there can be more difficult to correct than a wrong BIC.

Many banking apps check the structure of an IBAN. If your bank offers it, a name check before sending gives extra certainty. When you pay someone new, many people start with a small test amount before sending the rest.

Scams that use SWIFT codes

Scammers often send fake invoices with changed bank details. A real SWIFT code says nothing about who owns the account.

Do not rely on a phone number in the same message that contains the new account. Watch out for urgent requests, unusual wording or a sender address that is slightly off. Acted too fast? Call your bank without delay and have them start a recall and report the fraud.

Fraud can also work the other way: someone sends too much and asks you to refund the extra via a different route. A screenshot of a transfer is no proof; only your own account shows what has arrived.

8 or 11 characters: FILSIT21 versus FILSIT21XXX

A BIC is made up of a few fixed parts: characters one to four stand for the bank, the next two show the country and characters seven and eight mark the location. In this case, that core is FILSIT21.

XXX at the end of FILSIT21XXX does not stand for a missing value or an error: it stands for the head office of Finanziaria Internazionale Alternative Investment Societa' di Gestione del Risparmio S.p.a. Some forms ask for 11 characters, and then you can add XXX after FILSIT21.

Enter the code in one piece, in capitals and without spaces, exactly as shown here. Watch for the letter O and the digit 0 or the letter I and the digit 1.